Spread the cost of catering equipment from £2,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, catering equipments are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £2,000 to £150,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£2k – £150k
Approval Speed
24–48 hours
Same-day for < £25k
Rates From
5.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical catering equipment price. Indicative only, not a quote.
Compare catering equipment finance rates from 200+ lenders
Check EligibilityOn a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Rational iCombi Pro 10-1/1 | £12,000 – £18,000 | Combi Oven |
| Williams Jade HJ2-SA | £2,500 – £4,000 | Double Door Fridge |
| Falcon Dominator Plus G3101 | £3,500 – £6,000 | Commercial Range |
| Winterhalter PT-L | £8,000 – £14,000 | Pass-Through Dishwasher |
Ready to compare catering equipment finance? 2 minutes, no credit check.
Check EligibilityCatering equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible.
Catering equipment is bought by restaurants, pubs, hotels, contract caterers and food businesses fitting out or refreshing a kitchen, often against a fixed opening date that leaves little room to save up first. Finance is preferred because a kitchen fit-out bundles many items, ovens, fridges, prep surfaces and extraction, into one project cost, keeping cash free for stock and staff. Replacement is usually driven by breakdown risk and hygiene inspection findings rather than a fixed age, since a kitchen cannot afford downtime on core equipment. A solid trade in used catering equipment through specialist dealers gives lenders a fallback on asset value if a business fails.
Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.
Compare rates from 200+ lenders, takes 2 minutes.
Check EligibilityCompare rates from 200+ lenders. No credit check.
Check Eligibility →